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Re: Need help by P-Bone in WNY (NY) on June 26, 2012 @16:00

                              
You are legally obligated to notify the applicant of there was a denial due to information in the credit report.

I think you're actually in quite a bit of trouble here, considering it appears you ran a credit check without proper authorization from the applicant. Not sure what the consequences are for such a mistake.
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